/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue: #2563eb;
  --blue-dark: #1d4ed8;
  --blue-light: #eff6ff;
  --navy: #0f172a;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-900: #0f172a;
  --green: #16a34a;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,.08);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.12);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Plus Jakarta Sans', ui-sans-serif, system-ui, sans-serif;
  font-size: 1rem;
  line-height: 1.7;
  color: var(--gray-600);
  background: #fff;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
address { font-style: normal; }

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1.375rem;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 160ms ease;
  white-space: nowrap;
}
.btn-lg { padding: 0.875rem 1.75rem; font-size: 1rem; }

.btn-primary { background: var(--blue); color: #fff; border-color: var(--blue); }
.btn-primary:hover { background: var(--blue-dark); border-color: var(--blue-dark); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(37,99,235,.35); }

.btn-outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-outline:hover { background: var(--blue-light); }

.btn-ghost { background: transparent; color: var(--gray-700); border-color: transparent; }
.btn-ghost:hover { background: var(--gray-100); }

.btn-white { background: #fff; color: var(--blue); border-color: #fff; }
.btn-white:hover { background: var(--blue-light); transform: translateY(-1px); }

.btn-outline-white { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: #fff; }

/* ── Section common ── */
.section-header { text-align: center; max-width: 640px; margin: 0 auto 4rem; }
.section-header h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 800; color: var(--navy); line-height: 1.2; margin-bottom: 1rem; }
.section-header p { font-size: 1.0625rem; color: var(--gray-500); }

.section-tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 0.25rem 0.875rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}

/* ── Header ── */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow 200ms;
}
.header.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,.08); }

.header-inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.25rem;
}

.logo img { height: 36px; width: auto; }

.burger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-left: auto;
}
.burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: all 220ms ease;
  transform-origin: center;
}
.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav {
  display: none;
  flex-direction: column;
  gap: 0.25rem;
  position: absolute;
  top: 100%;
  left: 0; right: 0;
  background: #fff;
  border-bottom: 1px solid var(--gray-100);
  padding: 1.25rem;
  box-shadow: var(--shadow-md);
}
.nav.open { display: flex; }
.nav a {
  padding: 0.625rem 0.875rem;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: 8px;
}
.nav a:hover { background: var(--gray-50); color: var(--navy); }
.nav-cta { margin-top: 0.5rem; }
.header-cta { display: none; }

@media (min-width: 1024px) {
  .burger { display: none; }
  .header-cta { display: inline-flex; }
  .nav {
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 0.25rem;
    position: static;
    background: none;
    border: none;
    padding: 0;
    box-shadow: none;
    margin-left: auto;
  }
  .nav-cta { margin-top: 0; margin-left: 0.5rem; }
  .header-cta { margin-left: 0.75rem; }
}

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 60%, #1d4ed8 100%);
  padding: 5rem 0 0;
  overflow: hidden;
}

.hero-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3rem;
}

.hero-text {
  color: #fff;
  text-align: center;
  max-width: 640px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: #bfdbfe;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: .04em;
  padding: 0.375rem 0.875rem;
  border-radius: 999px;
  margin-bottom: 1.75rem;
}

.hero-text h1 {
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 1.5rem;
}
.hero-text h1 .highlight {
  background: linear-gradient(90deg, #60a5fa, #a78bfa);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-text p {
  font-size: 1.125rem;
  color: #bfdbfe;
  line-height: 1.75;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
  margin-bottom: 3rem;
}

.hero-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: rgba(255,255,255,.08);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.12);
}
.hero-trust span { font-size: 0.8125rem; color: #93c5fd; font-weight: 500; }
.hero-trust img { height: 28px; width: auto; filter: brightness(0) invert(1); opacity: .8; }

.hero-image {
  display: none;
  flex: 0 0 auto;
}
.hero-image img {
  height: 520px;
  width: auto;
  object-fit: contain;
}

@media (min-width: 1024px) {
  .hero { padding: 5rem 0 0; }
  .hero-inner { flex-direction: row; align-items: flex-end; gap: 4rem; }
  .hero-text { text-align: left; }
  .hero-actions { justify-content: flex-start; }
  .hero-trust { justify-content: flex-start; }
  .hero-image { display: block; }
}

/* ── Stats ── */
.stats {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
}
.stat-item {
  padding: 2.25rem 1.5rem;
  text-align: center;
  border-right: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}
.stat-item:nth-child(even) { border-right: none; }
.stat-item:nth-child(n+3) { border-bottom: none; }
.stat-number {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 0.375rem;
}
.stat-number span { color: var(--blue); }
.stat-label { font-size: 0.875rem; color: var(--gray-500); font-weight: 500; }

@media (min-width: 768px) {
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
  .stat-item { border-bottom: none; }
  .stat-item:nth-child(even) { border-right: 1px solid var(--gray-200); }
  .stat-item:last-child { border-right: none; }
}

/* ── Features ── */
.features { padding: 6rem 0; }

.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) { .features-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .features-grid { grid-template-columns: repeat(3, 1fr); } }

.feature-card {
  padding: 2rem;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  transition: box-shadow 200ms, transform 200ms;
}
.feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.feature-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--icon-bg);
  color: var(--icon-color);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.feature-card h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.625rem;
}
.feature-card p { font-size: 0.9375rem; color: var(--gray-500); line-height: 1.65; }

/* ── How it works ── */
.how-it-works {
  background: var(--gray-50);
  padding: 6rem 0;
}

.steps-grid {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  margin-bottom: 3rem;
}
.step-connector { display: none; }

@media (min-width: 768px) {
  .steps-grid {
    flex-direction: row;
    align-items: center;
    gap: 1.5rem;
  }
  .step-connector {
    display: flex;
    color: var(--gray-400);
    flex-shrink: 0;
  }
}

.step-card {
  flex: 1;
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}
.step-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--blue);
  opacity: .2;
  line-height: 1;
  margin-bottom: 1rem;
}
.step-card h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.625rem;
}
.step-card p { font-size: 0.9375rem; color: var(--gray-500); line-height: 1.65; }

.steps-cta { text-align: center; margin-top: 3rem; }

/* ── Platform preview ── */
.platform { padding: 6rem 0; }
.platform-inner {
  display: flex;
  flex-direction: column;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 1024px) {
  .platform-inner { flex-direction: row; gap: 5rem; align-items: center; }
}

.platform-image {
  flex: 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}
.platform-image img { width: 100%; }

.platform-text { flex: 1; }
.platform-text .section-tag { margin-bottom: 1rem; }
.platform-text h2 {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 1.25rem;
}
.platform-text > p { margin-bottom: 2rem; font-size: 1.0625rem; }

.platform-checklist { list-style: none; margin-bottom: 2.5rem; }
.platform-checklist li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.5rem 0;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-100);
}
.platform-checklist li:last-child { border-bottom: none; }
.platform-checklist li svg { color: var(--green); flex-shrink: 0; }

/* ── Testimonials ── */
.testimonials {
  background: var(--gray-50);
  padding: 6rem 0;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) { .testimonials-grid { grid-template-columns: repeat(3, 1fr); } }

.testimonial-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  transition: box-shadow 200ms;
}
.testimonial-card:hover { box-shadow: var(--shadow-md); }

.testimonial-featured {
  background: var(--navy);
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
}
.testimonial-featured p,
.testimonial-featured .author-name,
.testimonial-featured .author-role { color: #fff !important; }
.testimonial-featured .stars { color: #fbbf24; }

.stars { color: #fbbf24; font-size: 1rem; letter-spacing: 2px; }

.testimonial-card p { font-size: 0.9375rem; color: var(--gray-600); line-height: 1.7; flex: 1; }

.testimonial-author { display: flex; align-items: center; gap: 0.875rem; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 999px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem;
  flex-shrink: 0;
}
.author-name { font-size: 0.875rem; font-weight: 700; color: var(--navy); }
.author-role { font-size: 0.8125rem; color: var(--gray-400); }

/* ── FAQ ── */
.faq { padding: 6rem 0; }
.faq-inner {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}
@media (min-width: 768px) {
  .faq-inner { flex-direction: row; gap: 5rem; }
  .faq-header { flex: 0 0 260px; }
}
.faq-header .section-tag { margin-bottom: 1rem; }
.faq-header h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.25;
}
.faq-list { flex: 1; display: flex; flex-direction: column; }

.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 0;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
}
.chevron { flex-shrink: 0; color: var(--gray-400); transition: transform 220ms ease; }
.faq-item.open .chevron { transform: rotate(180deg); }

.faq-a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 220ms ease;
}
.faq-item.open .faq-a { grid-template-rows: 1fr; }
.faq-a > p {
  overflow: hidden;
  font-size: 0.9375rem;
  color: var(--gray-500);
  line-height: 1.7;
  padding-bottom: 1.25rem;
}

/* ── CTA Band ── */
.cta-band {
  background: linear-gradient(135deg, #1e3a8a 0%, #2563eb 100%);
  padding: 5rem 0;
}
.cta-inner {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  align-items: center;
  text-align: center;
}
@media (min-width: 768px) {
  .cta-inner { flex-direction: row; text-align: left; }
  .cta-text { flex: 1; }
}
.cta-text h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; color: #fff; margin-bottom: 0.75rem; }
.cta-text p { color: #bfdbfe; font-size: 1.0625rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; flex-shrink: 0; }
@media (min-width: 768px) { .cta-actions { justify-content: flex-start; } }

/* ── App Section ── */
.app-section { padding: 6rem 0; border-top: 1px solid var(--gray-100); }
.app-inner {
  display: flex;
  flex-direction: column;
  gap: 3rem;
  align-items: center;
  text-align: center;
}
@media (min-width: 768px) {
  .app-inner { flex-direction: row; text-align: left; }
  .app-text { flex: 1; }
}
.app-text h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; color: var(--navy); margin-bottom: 1rem; }
.app-text p { color: var(--gray-500); margin-bottom: 2rem; font-size: 1.0625rem; }
.playstore-btn img { height: 52px; }
.app-image { flex: 0 0 auto; }
.app-image img { height: 320px; width: auto; }

/* ── Footer ── */
.footer { background: var(--navy); color: var(--gray-400); padding: 5rem 0 0; }

.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
@media (min-width: 768px) {
  .footer-top { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; }
}

.footer-logo { height: 40px; margin-bottom: 1.25rem; filter: brightness(0) invert(1); opacity: .9; }
.footer-brand p { font-size: 0.9375rem; line-height: 1.7; max-width: 280px; }

.footer-social { display: flex; gap: 0.75rem; margin-top: 1.5rem; }
.footer-social a {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-400);
  transition: background 160ms;
}
.footer-social a:hover { background: var(--blue); color: #fff; }

.footer-col h4 { font-size: 0.8125rem; font-weight: 700; color: #fff; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 1.25rem; }
.footer-col a, .footer-col address {
  display: block;
  font-size: 0.9375rem;
  color: var(--gray-400);
  padding: 0.3rem 0;
  line-height: 1.6;
  transition: color 160ms;
}
.footer-col a:hover { color: #fff; }

.regulatory-logos { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 0.25rem; }
.regulatory-logos img { height: 36px; width: auto; filter: brightness(0) invert(1); opacity: .5; }

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  align-items: center;
  text-align: center;
  padding: 1.75rem 0;
}
@media (min-width: 768px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; text-align: left; }
}
.footer-bottom p { font-size: 0.875rem; }
.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { font-size: 0.875rem; color: var(--gray-400); }
.footer-legal a:hover { color: #fff; }